7 Best Crypto Robo Advisors

Update (May 2026): The dedicated “crypto robo-advisor” category has largely collapsed. Betterment Crypto (formerly Makara) was discontinued November 20, 2024 – Betterment now offers crypto exposure through Bitcoin and Ethereum ETF wrappers inside its managed portfolios. SoFi shuttered its crypto product in late 2023. BlockFi filed for bankruptcy in late 2022. The arrival of spot Bitcoin ETFs in January 2024 (IBIT, FBTC, and others) gave investors a cheaper, regulated way to hold crypto inside a normal brokerage account, and most retail crypto robos couldn’t compete with that. The sections below have been updated to reflect what’s actually still operating in 2026.

Crypto has always been volatile, and the platforms managing it have been just as unstable. A handful of automated services still exist, and ETF wrappers inside traditional robo-advisors have quietly taken over most of the use case.

Below is the honest 2026 read on what’s left, what’s worth using, and what to skip.

What is a Crypto Robo Advisor?

A crypto robo advisor is an automated platform that manages a cryptocurrency portfolio for you using algorithms instead of a human manager. Like a traditional robo-advisor, it takes the emotion out of buy/sell decisions. The category was much busier two years ago – what’s left now is a mix of indexed products, ETF-based exposure inside mainstream robos, and a few automated trading tools.

Best Crypto Robo Advisors (2026)

The shortlist of platforms still worth considering:

#1 Titan Crypto

Titan is the closest thing to a true crypto robo-advisor still operating. It tracks the Bitwise 10 Large Cap Crypto Index with an active management overlay, so you get diversified exposure to the largest cryptocurrencies without picking coins yourself. We tested Titan with $10,000 – read the full Titan Invest review here.

#2 Betterment (Crypto via ETF Wrappers)

Betterment shut down its direct crypto product in November 2024 but didn’t abandon the asset class. Their managed portfolios now include allocations to spot Bitcoin and Ethereum ETFs, which gets you crypto exposure at Betterment’s standard 0.25% fee instead of the old 1.0% crypto fee. We tested Betterment with $10,000 – read the full Betterment review here.

#3 M1 Finance (Crypto via Bakkt)

M1 lets you build a “Pie” with crypto alongside stocks and ETFs, custodied through Bakkt. There’s no advisory fee on the basic plan, though crypto trades carry a 1% transaction fee. Good fit if you want crypto sitting next to your equity portfolio in one app. We tested M1 with $10,000 – read the full M1 Finance review here.

#4 Wealthfront (Crypto Trust Exposure)

Wealthfront doesn’t run a dedicated crypto product, but its Automated Investing portfolios can include Grayscale Bitcoin and Ethereum trusts, capped at 10% of the portfolio. You pay the standard 0.25% advisory fee on top of the underlying trust expenses. It’s a hands-off way to add a small crypto sleeve without leaving a traditional robo.

#5 Coinrule (Automated Trading Bot)

Not a robo-advisor in the strict sense – Coinrule lets you build rule-based trading bots (“if BTC drops 5% in 24 hours, buy”) that run on your connected exchange. Closer to algorithmic trading than passive management, but it scratches a similar itch for people who want automation without writing code.

Platforms That Have Shut Down

If you arrived here from an older article, a few platforms we (and most other “best crypto robo” lists) used to recommend no longer exist:

• BlockFi – filed for Chapter 11 bankruptcy in November 2022. Wound down.
• Makara – acquired by Betterment in 2022, rebranded as Betterment Crypto, then shut down November 2024.
• SoFi Crypto – SoFi exited the crypto business in late 2023 to secure its bank charter. We tested SoFi Invest with $5,000 before the shutdown – read the SoFi Automated Investing review here.
• Voyager, Celsius, FTX – all collapsed in 2022-2023.

Crypto Robo Advisor Alternatives

With the category thinning out, the alternatives have gotten more interesting than the robos themselves:

Spot Bitcoin and Ethereum ETFs

The SEC approved spot Bitcoin ETFs in January 2024 and spot Ether ETFs in July 2024. Funds like IBIT (BlackRock), FBTC (Fidelity), and ETHA hold the underlying coins and trade like any other ETF. Expense ratios sit around 0.20-0.25%, which is cheaper than every crypto robo on this list. For most people who just want price exposure, this is the answer.

Buy Cryptocurrency Directly

If you want to hold actual coins (and not paper claims to them), a regulated exchange like Coinbase or Kraken is the cleanest route. You can also self-custody in a hardware wallet. More work, more control.

Crypto Index Funds

Bitwise runs the index that Titan tracks and also offers it as a standalone product to accredited investors. For everyone else, the spot ETFs cover most of the same ground.

Why Use a Crypto Robo Advisor in 2026?

Honestly? Fewer reasons than two years ago. The case for using one over a spot ETF basically comes down to:

• You want exposure to more than just Bitcoin and Ethereum (Titan’s index goes deeper).
• You want active rebalancing across the top crypto assets.
• You want crypto sitting inside the same managed portfolio as your other investments (Betterment, M1, Wealthfront).

If you just want price exposure to BTC or ETH, buy the ETF. You’ll pay less.

Should You Invest in Cryptocurrency?

Crypto is a volatile alternative asset. Treat it like one. Here are the pros and cons:

The standard rule still applies: don’t put more than around 10% of your investable assets into crypto, and don’t put in money you can’t afford to watch get cut in half.

Conclusion

The crypto robo-advisor category isn’t dead, but it’s a lot smaller than the marketing suggested back in 2022. Titan is the only platform still running something that meaningfully looks like a managed crypto portfolio. Betterment, M1, and Wealthfront have folded crypto into their existing robo products via ETFs and trusts, which works fine for most people. Everything else has either shut down or pivoted away.

If you already have a diversified portfolio and want a small crypto sleeve, pick one of the four platforms above based on what you’re already using. If you don’t have a brokerage relationship yet, a spot Bitcoin ETF in a normal account is probably the simpler answer.

Whatever you pick, remember the crypto market is historically volatile. No automated platform is going to protect you from a 70% drawdown if one shows up.

Crypto Robo Advisor FAQs